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Lumio

Lumio is an AI-driven money management app designed for couples to track shared expenses, manage household bills, and save together securely.

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Key Features

  • Shared Expense Tracking

    Track and split expenses between partners with tailored categories.

  • Household Bill Management

    Monitor recurring bills and subscriptions with price alerts.

  • Automated Account Aggregation

    Connects multiple bank accounts securely for real-time updates.

  • IOU Tracker

    Manage debts and repayments between partners easily.

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Why Choose Lumio

  • Secure Data:

    Uses bank-grade 256-bit TLS encryption and does not store login credentials.
  • Shared Control:

    Allows users to decide what financial information is shared or kept private.
  • Comprehensive Tracking:

    Connects over 100 bank and credit card accounts for full financial visibility.

Pricing

Lumio offers a freemium pricing model with a free individual plan and paid Pro plans: Individual Pro at £3/month or £26.99/year, and Couples Pro at £4.49/month or £39.99/year. Annual plans provide a 25% discount.

About Lumio

Lumio is an AI-driven money management app designed for couples to track shared expenses, manage household bills, and save together securely.

What Lumio Does

Lumio automates money management for couples by aggregating bank and credit card accounts to track shared expenses and household bills in one place. It provides financial clarity and helps users save money together.

The app features shared and private spaces for expense tracking, an IOU tracker to manage debts between partners, and real-time bill monitoring with alerts to avoid overpayments. Lumio uses secure Open Banking protocols and bank-grade encryption to protect user data.

Ideal for couples, household managers, and individuals seeking transparent financial oversight, Lumio supports better communication and coordination around money matters.

Try Lumio

Pros & Cons

  • User-Friendly

    Simplifies complex shared finances with intuitive tracking and visualization.

  • Strong Security

    Implements strict encryption and regulatory compliance for data safety.

  • Limited to Couples

    Primarily designed for couples, less suited for other financial arrangements.

  • Subscription Required

    Advanced features require paid Pro plans.

Frequently Asked Questions

How does Lumio keep my data safe?

Lumio uses bank-grade 256-bit TLS encryption and never stores your login credentials.

Does Lumio store my bank login details?

No, Lumio encrypts credentials separately and does not store any login passwords.

Is Lumio regulated?

Yes, Lumio is registered as a Payment Services Directive Agent and regulated by the FCA.

Can I connect multiple bank accounts?

Yes, Lumio supports connecting over 100 bank and credit card accounts securely.

Are there free and paid plans?

Lumio offers a free individual plan and paid Pro plans with additional features.

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